The Capital One Spark Miles for Business card is no longer available.
Capital One is opening its flagship lounge — and largest at 13,500 square feet — in New York's John F. Kennedy International Airport (JFK) on June 19, 2025. It's expected to be open 24/7, and CNBC Select has a sneak peek, plus how you can access this airport lounge next time you travel through.
How to access Capital One lounges
You can access Capital One's lounges for free with the right credit card, though the number of complimentary visits depends on which card you have. Non-cardholders can still join in on the fun, but will have to pay a $90 entrance fee.
Whether you have a card or not, you must show a boarding pass for a same-day departing or connecting flight to enter the lounge — in other words, you can't land at your final destination and then hit the lounge before leaving the airport. Lounge access is based on availability, and you may enter up to three hours before your departure time. All children ages two and under receive free entry with an adult.
Cardholder access
Travelers with either the Capital One Venture X Rewards Credit Card or the Capital One Venture X Business Credit Card, plus their authorized users and account managers, receive unlimited access and two complimentary guest entries per visit through the Partner Lounge Network. This feature will change beginning Feb. 1, 2026, with additional Venture authorized users needing to pay an annual lounge access fee of $125 each. Access for additional guests ranges from $25 to $45.
The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.
- Annual $300 credit for bookings through Capital One Travel
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge and Landing locations
- Long list of valuable travel and shopping protections, including return protection, rental car coverage and trip delay reimbursement (Benefit(s) only available to accounts approved for the Visa Infinite card. Terms apply.)
- Limited bonus spending categories compared to other premium credit cards
- High annual fee
- High credit score requirement (excellent credit)
Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fees
$0
The Capital One Venture X Business Credit Card has all the benefits you expect with a premium business card, including flexible travel rewards, airport lounge access and travel insurance.
- Extremely valuable welcome bonus
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge and Landing locations
- Annual $300 credit for bookings through Capital One Business Travel
- Limited bonus spending categories compared to other business credit cards
- High annual fee
- No airport lounge access for employee cardholders
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
If you have either the Capital One Venture Rewards Credit Card or the Capital One Spark Miles for Business*, you can access the lounge at a discounted rate of $45 per visit.
Paid access
You can still visit the lounge without one of the credit cards if you have a boarding pass for a same-day departing or connecting flight. However, there is a steep $90 entry fee per person per visit.
What to expect at the JFK Capital One lounge
The Capital One lounge at JFK will be 13,500 square feet, making it the largest Capital One lounge yet. It will be located in the retail hall of the airport's Terminal 4 (T4) and will be the first Capital One lounge to be open 24 hours daily.
Food and beverages
The lounge's culinary experiences are meant to pay homage to NYC's vibrant food and beverage scene, thanks to partnerships with local breweries, mixologists, coffee roasters and bakeries.
Unique to the JFK location is an in-lounge bodega, where travelers can order a selection of coffees and bagels featuring popular New York flavors. Capital One partnered with New York staples like Bean & Bean Coffee Roasters and Ess-A-Bagel. Guests will also be able to enjoy the signature grab-and-go items, including breakfast sandwiches, salads, pastries and more.
A selection of local cheeses from the Manhattan-based Murray's Cheese will be handpicked by a specially-trained cheesemonger. The cheeses will be served alongside cured meats and housemade accompaniments, paired with wine and beer selections. The interactive experience will be on a first-come, first-served basis.
The lounge will also debut a new daily ritual: The "Midnight Snack", an ode to the city that never sleeps. This late-night comfort snack will be served via roaming trolly carts at 12:30 AM for the late-night travelers.
The full-service bar includes a number of creative cocktails that reflect the city's culture.
Amenities
The JFK location will include several amenities that travelers enjoy in the other Capital One lounges, including a fully stocked shower suite, power outlets at every seat, two private rooms, a parent room and high-speed Wi-Fi.
Aesthetics
Capital One says the lounge is designed to give travelers a taste of NYC's charm without having to leave the airport. The lounge features over 40 original destination-inspired artworks from New York-based artists, plus artwork made entirely from airplane blankets and hanging glass sculptures.
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